Unfortunately, yes. Each company has its own underwriting guidelines, which indicate what risks they will assume. This means the insurance company can cancel your policy as a result of a claim when the policy is up for renewal. State law permits an insurer to non-renew a policy on the policy anniversary date as long as they give the insured 30 days advance written notice and the specific reasons for the non-renewal. This is yet another reason I feel it is important to work with an independent insurance professional who represent you to the insurance companies, compared to an agent that represents a single insurance company and not you.
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